Your 30s and early 40s are often when life moves fastest. Careers develop, income grows and major milestones reshape financial priorities.
This stage focuses on maintaining momentum, growing your long-term savings, investments and pensions while you manage mortgages, family costs and a busy career
Your three money priorities
1
Balance life today with your future goals
Your 30s and 40s will often include many key emotional and financial milestones – buying a home, getting married, having children to name a few. These all shape your finances for years ahead. Careful balancing means these milestones boost your future, rather than limiting it.
2
Keep long-term savings moving forward
The combination of rising income and the decades before retirement creates an ideal opportunity for growing your money. Maintaining or growing consistent contributions to pensions and investments, even when life becomes expensive, keeps your long-term financial plans moving forward.
3
Protect the life you’re building
As responsibilities grow, protecting household income becomes increasingly important. Life insurance, income protection and emergency savings can provide financial stability if something unexpected happens. The right protection can help safeguard what you’ve built and protects those who depend on you.
Featured resources
How does your pension compare to people your age?
See typical UK pension pots by age and what you may need for a comfortable retirement.
How to protect your finances as your responsibilities grow
Learn how to protect your income and family with emergency funds, income protection and life cover.
What could your pension be worth in 20 years?
Take our five-minute assessment to see where you stand and what steps could boost your pension pot.
The information provided here is for general guidance only and does not constitute a personal recommendation. Any decision to invest should be made in the context of your individual circumstances and financial objectives. The value of investments and any income from them can fall as well as rise, and you may get back less than you invest. Tax treatment depends on individual circumstances and may be subject to change in the future.
Always on hand
to help
Financial planning in your 30s and 40s often involves balancing several competing priorities. We work closely with clients to help structure their finances so long-term wealth continues to grow, even as life becomes more complex.
Book a consultation to bring clarity to your plans and make sure your finances are supporting the future you want to build.
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